Credit Union Safety Analysis
Is Quay Schools Federal Credit Union Safe? Tucumcari, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Quay Schools Federal Credit Union has a net worth ratio of 19.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.03%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Quay Schools Federal Credit Union's net worth ratio is 19.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 19.40%
- Delinquency ratio (60+ days) (Q2 2026): 0.03%
- Return on assets (Q2 2026): 0.61%
- Loan-to-share ratio (Q2 2026): 87.20%
Quay Schools Federal Credit Union (NCUA charter 14758, established 1961) reported $8.6M in assets and 1,126 members for Q2 2026 from Tucumcari, New Mexico. It ranks 33 of 37 credit unions in New Mexico by total assets. Total assets grew 4.5% from $8.2M on June 30, 2025. It has 15 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was down 0.24 percentage points from 19.64% on June 30, 2025. Used vehicle loans are its largest loan category, $3.0M of $6.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.60% for Q1 2026; 19.64% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.03% for Q1 2026; 0.60% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.25% for Q1 2026; 0.64% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.64% for Q1 2026; 87.16% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.0M
- Other secured non-real estate loans and lines of credit: $1.6M
- New vehicle loans: $874K
- Other unsecured loans and lines of credit: $524K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.6M | 19.40% | 0.03% | 0.61% | 87.20% |
| March 31, 2026 | $8.4M | 19.60% | 0.03% | 0.25% | 90.64% |
| December 31, 2025 | $8.4M | 19.68% | 0.02% | 0.57% | 93.90% |
| September 30, 2025 | $8.2M | 19.92% | 0.22% | 1.10% | 94.79% |
| June 30, 2025 | $8.2M | 19.64% | 0.60% | 0.64% | 87.16% |
| March 31, 2025 | $8.2M | 19.54% | — | 0.41% | 86.17% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Quay Schools Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 14758) · FFIEC NIC profile (RSSD 979384)
Frequently asked questions
Is Quay Schools Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Quay Schools Federal Credit Union's net worth ratio is 19.40%, above the 7% NCUA threshold for well capitalized.
Is Quay Schools Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Quay Schools Federal Credit Union is a federally insured credit union (NCUA charter 14758): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Quay Schools Federal Credit Union's key safety ratios?
For Q2 2026, Quay Schools Federal Credit Union reports net worth 19.40%, delinquency 0.03%, ROA 0.61%, loan-to-share 87.20%.
What happens to my money if Quay Schools Federal Credit Union fails?
For Q2 2026, Quay Schools Federal Credit Union held $6.9M in shares and deposits for 1,126 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.